General Liability Insurance

Offers protection against the risk of damages.

When you look around your business, it’s easy to envision that you need to protect against damage to your buildings, equipment, and staff. Less obvious—but no less important—is the risk of damage to other people and businesses.

What Genral Liability insurance does and does not cover.

This policy mainly covers bodily injury to people outside (non-employees) of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage, such as one of your employees defaming a client. It’s important to note that this type of coverage doesn’t apply to cases where you are sued for giving inadequate professional advice. Errors and omissions insurance may help to protect your business from that specific type of risk.

What is covered by general liability insurance?

Bodily injury, property damage, advertising injury, and medical payments are typically included.

How much does general liability insurance cost?

The cost of your policy may vary depending on the industry type, location, and size of your business, as your risks will be different.

When is general liability insurance required?

Your business should have this type of policy if you ever meet clients at your business or theirs, or have any physical access to their equipment. Additionally, this coverage may be a requirement before certain other businesses will sign a contract with you.

General liability insurance is a common necessity for most businesses. Contact us to go over your coverage options for your business.